Spring break is right around the corner. If you plan to travel, there are several things you should know about your health and welfare benefits coverage through UBC, including what documentation to take with you and what to do in the event of a medical emergency. It is important for you to plan ahead so you understand the risks associated with travelling abroad, in order to prepare for events that might occur.
Am I Covered While Travelling?
If you are enrolled in UBC’s Extended Health plan, you are covered while travelling outside of BC. This also applies to your dependents who are enrolled in the plan.
Coverage for medical expenses outside of BC or Canada depends on the expense.
Medically necessary expenses that are typically covered by the Medical Services Plan of BC (MSP), such as services and supplies while in hospital, hospital room and out-patient and physician’s services, are covered in the event of an emergency only, if incurred outside of BC or Canada. An emergency means an acute illness or accidental injury that requires immediate, medically necessary treatment prescribed by a doctor. These services are not covered in non-emergency situations.
Expenses incurred outside BC or Canada that are typically covered by UBC’s Extended Health plan by Sun Life (e.g., prescription drug medical equipment and supplies (out-patient), paramedical services (only covered in North America), and vision care benefits) are covered in the event of a medical emergency and non-emergency, subject to the conditions outlined in your plan. Payment for these expenses will be limited to the reasonable & customary charge within BC, and in Canadian funds.
Eligible expenses are covered at 100%, less the deductible, up to your overall extended health lifetime maximum. Your overall extended health lifetime maximum at any point in time is $2,000,000 less any amount Sun Life has reimbursed since you joined the plan. To determine the extended health plan balance for you and/or each of your covered dependents, you will need to contact Sun Life at 1-800-361-6212.
You are covered for an absence of up to one year (365 days) per trip. If you are hospitalized during this period as a result of a medical emergency, in-patient services are covered for up to 90 days.
For more information, visit our Benefits While Travelling page.
Be Prepared Before You Go
Check the travel report for your destination and all the points you will be visiting in-between to determine the risk level.
- Travel Advisories from the Department of Foreign Affairs and International Trade (DFAIT) and
Check the travel health notice for your destination (all and points in-between) to determine if you need vaccinations and/or are required to carry vaccination certificates when travelling to specific countries or areas.
- Travel Health Information and Notices from the Public Health Agency of Canada.
- Vaccinations are covered under the Extended Health Plan up to a maximum amount of $300 per person per benefit year.
Review Our Checklist
We have a handy Checklist for Preparing for Travel Before, After and During Your Trip. Download a copy here.
Download the Latest Medi-Passport Brochure
Make sure your Medi-Passport brochure is up-to-date and includes the contact details for Allianz Global Assistance, Sun Life’s Travel Benefits Provider (Allianz Global Assistance replaced Europ Assistance on April 1, 2016). If you experience a medical emergency while travelling, call Allianz Global Assistance as soon as possible so they can set up a file for you, manage your case and if possible, arrange for payment of medical emergency expenses to the provider directly.
Answers to Frequently Asked Questions
Check out our Travel Frequently Asked Questions page for answers to questions such as whether you should purchase additional insurance, coverage for vaccinations and if coverage applies if you have a pre-existing condition, are pregnant, participate in extreme sports, or if the country you are in experiences a natural disaster or terrorist activity.
Attend Our Travel Benefits Information Session
Vancouver Campus, with videoconferencing in the Okanagan
Date: Wednesday, March 15, 2017
Time: 12-1 pm
Reichwald Health Sciences Centre (RHS) Room 129